Archive · 17 Nov 2025
Young Man Struggles with ₹36,000 EMI for Father's Uninsured SBI Loan
A young man's dad passed away, leaving behind a big loan from SBI that he can't afford to pay.
The loan is not insured, and the bank says he has to pay it.
His dad's pension and other benefits might take a long time to get.
People online told him to get a lawyer and check if there's any insurance linked to his dad's salary account.
A young man is struggling to pay a ₹36,000 monthly EMI for an unsecured SBI personal loan left by his deceased father.
The loan amount is approximately ₹10.6 lakh and the EMI is nearly equal to the son's entire monthly salary.
The bank claims the son, as the legal heir, must pay the loan because it is not insured.
Other benefits such as pension, PF, and gratuity are expected to take 6-12 months to process.
Social media users have advised the son to consult a lawyer, demand loan documents, and check for any insurance linked to his father's salary package.
- Who
- A young man whose father recently passed away, and the State Bank of India (SBI)
- What
- The son is facing the burden of a significant personal loan EMI left by his deceased father, which is equal to his own salary.
- When
- The father died suddenly, and the loan EMIs are currently bouncing.
- Where
- The situation is unfolding in India, as indicated by 'SBI' and 'Panchayat Secretary'. The issue was shared on Reddit.
- Why
- The father died suddenly, leaving behind an unsecured loan without insurance, and benefits like pension and PF are delayed, leaving the son unable to manage the payments.
Bank's Stance (as reported by user)
Social Media User Advice
Loan Repayment Responsibility
Bank's Stance (as reported by user)
The legal heir (son) is responsible for paying the unsecured personal loan because it is not insured, according to the bank.
Social Media User Advice
Legal heirs are not obligated to pay off loans unless they are guarantors or co-applicants. The son should demand the full loan agreement to verify this.
Insurance and Benefits
Bank's Stance (as reported by user)
The loan is not insured, and benefits like pension and PF will take several months to process.
Social Media User Advice
Users advise checking if any insurance was linked to the father's SBI Salary Package and suggest hiring a lawyer to navigate the situation and protect the son's interests.
Next Steps
Bank's Stance (as reported by user)
The bank employee has stated that the legal heir must pay the loan.
Social Media User Advice
Users strongly advise against signing anything without legal counsel, to communicate strictly via email, collect all loan documents, and consult a lawyer to understand obligations and potential negotiation options.
- Loan Type
- SBI Unsecured Personal Loan
- Outstanding Loan Amount
- Approximately ₹10.6 lakh
- Monthly EMI
- Approximately ₹36,000
- Son's Monthly Salary
- Approximately ₹36,000
- Deceased's Profession
- Panchayat Secretary
- Deceased's Bank Account
- SBI Salary Package account (Diamond tier)
- Estimated Processing Time for Benefits
- 6-12 months for pension, PF, and gratuity